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2013 VA Loan Limits

Military borrowers like the fact that VA loan limits in 2013 are higher than conventional loans in most regions around the country. Before a person begins the process of purchasing a home, they need to understand what type of financial commitment that they can make. The responsibility associated with meeting monthly mortgage payments requires a steady source of income to meet this obligation. With so many people facing foreclosures due to loss of employment and skyrocketing interest rates, it is more important than ever to make sure you are properly prepared. For those that have previously or are currently serving in the U.S. military, there are certain limits to the amount of money that can be financed. The 2013 VA Loan Limits are $417,000 for most counties throughout the United States. Take a minute and let one of our friendly VA mortgage lenders help uncover the purchase power and VA limits in your region. VA rates have fallen to record levels, so getting approved now for a VA loan makes sense.

The 2013 VA Loan Limits are established on a consistent basis throughout the country. Because there are some wide variations in the average price of a home in different areas, there are some exceptions to the $417,000 limit. The U.S. Department of Veteran Affairs has published a list of those counties that may exceed this limit for the year ending 2013. This allows people living in areas with higher home prices to consider those properties that are listed for a higher cost. Understanding what the personal limits are within the location help to determine the type of home that can be acquired.

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The VA Loan Limits for 2013 are applicable for the period of January 1, 2013 until September 30, 2013. In order to quality for this established value, the loan must be closed during this time frame. Before contacting a real estate agent to begin looking at houses, make sure you understand what these limits are for the local area. This will prevent any wasted efforts and disappointment in trying to purchase a house only to discover that the needed financing is not available. Knowing the limits beforehand can ease the entire home buying process.

One thing to keep in mind regarding the VA Loan Limits for 2011, the veteran must have restored any previously used entitlement funds. If there are some outstanding financials from previous transactions, then these limits may not be possible. This may have a bearing on the total amount or maximum guaranty amount that can be obtained. Any questions should be reviewed with the local mortgage lender to clear up any potential complications. Having some money for a down payment may help to overcome any difficulties that are encountered. Equipped with the proper knowledge, the former military personnel can begin the home buying process with a level of confidence.